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Small business insurance

No one can predict what the future has in store. Our insurance partner Kingsbridge specialise in Small Business Insurance which helps protect you, your business, and your clients should the unexpected happen. Designed to suit your needs, their tailored packages include professional indemnity insurance, public liability insurance, and employer's liability insurance. They also sell a number of add on products including Legal Expenses Cover.

To discuss your options call us on 0333 122 0250, or why not get a quick quote? Don't forget, if you're a Crunch client or a Crunch Chorus member, simply login to your account and you'll get a 10% discount on your insurance premium. If you’re not yet a Crunch Chorus member you can sign up for free. Best of all, if you find equivalent cover cheaper, Kingsbridge will match the price.

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  • Comprehensive policy limits
  • A dedicated UK team
  • Flexible payment options
  • Tax-deductible business expense
  • Quick and easy to buy online
  • Coverage of an extensive range of professional occupations
  • Built for you

    Small businesses aren't all the same, so your insurance shouldn't be either. Kingsbridge have a number of packages with different cover levels and price points, and these can be customised these for you if required. You can get cover if you have employees, work with the public, or need contractor insurance. They even offer cover for previous work.

  • Peace of mind

    Kingsbridge can cover you for employers' liability, public liability, professional indemnity, and more. Their Legal Expenses policy also offers cover against the costs of IR35 investigations and a 24-hour legal advice helpline if you want complete peace of mind. Just answer a few simple questions and we’ll give you an instant quote, then you can buy online today - no appointments, no fuss.

  • Great value - price promise guarantee

    You can be confident that you’re getting a great value product. Not only can you get a 10% discount on your premium if you’re a Crunch client or Crunch Chorus member, but we also have a price promise guarantee. If you can find the same product at a cheaper price elsewhere we’ll refund the difference.

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Frequently asked questions

Do I need Small Business Insurance?

Having the right insurance in place helps protect you and your business, as well as your clients and the general public. Your clients may also demand you have business insurance. Find out more in our article "Has your business insurance got you covered?" Having small business insurance in place can also be a good indicator that you are in business of your own accord and help show that you’re not working “inside IR35” - find out more about IR35.

What is Public Liability Insurance?

Public Liability Insurance protects your business against a claim from the public for financial loss, accident, or injury. Find out more in our Public Liability Insurance article.

What is Employers' Liability Insurance?

Employers' Liability Insurance can help protect you against claims from employees for an accident, illness, or injury they've had as a result of their work. Find out more in our Employer's Liability Insurance article.

What is Professional Indemnity Insurance?

Professional indemnity insurance offers protection for your business against a customer suing you for a financial loss that they believe you caused through negligent advice and services. Find out more in our Professional Indemnity Insurance article.

What is Legal Expenses Cover policy?

While there are many benefits that come with being a contractor or running a small business, you’re still exposed to a number of risks and potential unforeseen legal disputes. Kingsbridge’s Legal Expenses Cover helps you to cover costs when your business is involved in defending commercial disputes such as tax investigations (including IR35) and contract issues.

Can small business insurance help with IR35?

Having correct small business insurance in place can also be a good indicator that you are in business of your own accord and help show that you’re not working “inside IR35” - find out more about IR35. You can also take out insurance to cover the costs of IR35 investigations. Speak to Kingsbridge to find out more about insurance cover for IR35 and Legal Expenses Cover.

How do I access my policy documents?

Kingsbridge will give you access to your own customer portal for instant access to all your policy documents.